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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,260 | $88,996-50.3% | $78,004-43.3% | $138,895-68.1% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.4%+30.6pp | 79.9%+20.1pp |
| Annual return | 17.41% | 28.03%-10.6pp | 31.07%-13.7pp | 145.39%-128.0pp |
| Employer contribution / active EE | $3,073 | $2,917+5.3% | $2,469+24.5% | $4,194-26.7% |
| Participant deferral / active EE | $6,852 | $4,724+45.0% | $4,092+67.5% | $6,396+7.1% |
| Admin fee / account holder | $838 | $8,807-90.5% | $7,578-88.9% | $12,562-93.3% |